San Diego County property record for 827 Palaro Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,595 sqft · built 1973 |
| Lot Size | 0.246 acres (10,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,449,000 (Nov 2020) |
| Tax Bill | $17,451 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 254-162-77-00 |
| Primary APN | 254-162-77-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,595 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 10,700 sqft (0.246 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 827 PALARO DR |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-1233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR2 |
| Legal Description | LOT 28 PAR 7 PER DOC164425REC71 IN TR 002019 |
| Legal Subdivision | CREST ACRES |
| Legal Tract | 002019 |
| Legal Block | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 17601 |
Source: San Diego County records · APN 254-162-77-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 827 PALARO DR, ENCINITAS, CA 92024-1233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Apr 04, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Nov 23, 2020 | Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 23, 2020 · Amount on Record |
| Deed Sale | Nov 23, 2020 · Amount on Record |
| Prior Sale | Sep 18, 1997 · Amount on Record |
| Deed Document Number | 2020743687 |
| Prior Transfer Date | Aug 27, 2002 |
| Prior Transfer Doc | 0000754810 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 827 PALARO DR, ENCINITAS, CA 92024-1233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000149743 |
|---|---|
| Date | Apr 04, 2017 |
| Instrument | 2017-0149743 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 01, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 23, 2020 |
| Property Address | 827 PALARO DR, ENCINITAS, CA 92024-1233 |
| Document Number | 0000743687 |
| Map Reference | MAP 2019 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 2020-0743687 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 827 PALARO DR, ENCINITAS, CA 92024-1233 |
| Document Number | 0000743688 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020-0743688 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Encinitas City |
| Elementary School District | Encinitas Union Elementary School District (KG - 06) |
| Secondary School District | San Dieguito Union High School District (07 - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,599,810 (+2%) Land $1,435,304 Building $164,506 | |
| 2025 | $17,451.00 (+6.69%) Homeowner's exemption | $1,568,442 (+4.04%) Land $1,407,161 Building $161,281 |
| 2023 | $16,356.00 (+2.24%) Homeowner's exemption | $1,507,539 Land $1,352,520 Building $155,019 |
| 2022 | $15,998.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2023 · rainfall accumulation |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Spectrum Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 246 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAN DIEGUITO WD serves 40,405 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2022 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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